Australia Car Insurance Calculator
Estimate Australian car insurance premium by state — comprehensive + CTP (Green Slip) combined. Rating level, age, usage, and agreed vs market value factored in.
Vehicle & Driver
Total Annual Premium
Comprehensive + CTP
A$2,696
No young-driver loading.
Comprehensive / Year
A$2,126
CTP (Green Slip) / Year
A$570
Total / Month
A$225
6-Month Instalment
A$1,348
NSW CTP — what's included in rego
NSW Green Slip — compulsory third-party injury cover, bought separately via SIRA-approved insurer (Allianz, GIO, NRMA, QBE, Youi). Renew annually before rego.
How to lower your premium
- Rating 1 for Life once earned — protect it with a no-claim guarantee endorsement.
- Raise excess from $600 to $1,500 — typical 12-18% cut.
- Bundle home + auto with the same insurer (AAMI, NRMA, Suncorp, Allianz) — ~10% multi-policy discount.
- Limit listed drivers to those you actually use; under-25 listed drivers lift premium even if they rarely drive.
- Pay annually, not monthly — monthly surcharge is typically 7-12%.
Comprehensive vs TPFT vs Third-Party Property
Comprehensive covers your car plus damage you cause to others — standard for financed or newer vehicles. Third-Party Fire & Theft (TPFT) covers third-party damage plus fire and theft of your own car, but not collision damage to your own vehicle — useful for older cars worth under $8,000. Third-party property only is the cheapest private-market cover (covers damage you cause to other cars/property, nothing for your own). Note: none of these satisfy CTP (compulsory third-party injury) — that is separate.
CTP (Green Slip) by state
Every registered vehicle in Australia must hold CTP, which pays for injuries you cause to other people in a crash. How you buy it depends on state: NSW Green Slip is bought separately before rego; VIC TAC, WA MII, TAS MAIB, NT MACA bundle it into the rego invoice; QLD, SA, and ACT let you pick an insurer at the rego counter. Prices vary materially — NSW/VIC/ACT are ~$550-$620/yr; QLD/TAS are the cheapest at $350-$385.
Rating levels and no-claim bonus
Most insurers use a 1-6 rating with Rating 1 being the best (several consecutive claim-free years). Moving from Rating 1 to Rating 6 (after an at-fault claim without a protection endorsement) can nearly double your premium. Pay the small extra for a Rating 1 for Life or Protected NCD feature once you achieve the top tier.
2026 premium benchmarks
A 35-year-old Rating-1 commuting driver of a $32,000 sedan in NSW comprehensive: ~A$1,350/yr comprehensive + ~A$570 CTP = A$1,920/yr total. Under-25 drivers typically pay 2-2.6× these rates; over-70s start rising again at ~1.1-1.35×.
Common questions about Car Insurance
Comprehensive vs TPFT vs Third-Party Property?+
Comprehensive: damage to your car + to others — essential for newer or financed cars. TPFT (Third-Party Fire & Theft): third-party damage plus fire/theft of your car (not collision damage) — makes sense for older cars valued under $8,000. Third-Party Property only: covers damage you cause to others, nothing for your own vehicle — cheapest private-market cover. None of these are CTP (compulsory third-party injury), which is separate.
How is CTP (Green Slip) different and why does it vary by state?+
CTP is compulsory injury cover you must have to register a vehicle. Each state/territory runs its own scheme: NSW Green Slip bought separately before rego; VIC TAC, TAS MAIB, NT MACA, WA MII bundled into the rego invoice; QLD, SA, ACT let you choose an insurer at rego counter. Prices range from ~$350 (TAS) to $620 (VIC). CTP covers injury liability; it does NOT cover vehicle damage.
Rating 1 for Life — is it worth protecting?+
Once you reach Rating 1 (top no-claim bonus, after 3-5 claim-free years), a single at-fault claim knocks you back to Rating 3, potentially adding $300-$500/yr for 3-4 years. A "Rating 1 for Life" or "Protected NCD" endorsement costs $30-$70/yr and locks the top rating regardless of one future claim. Worth it once earned, especially for older drivers whose reflexes may change.
Agreed value vs market value?+
Market value: insurer pays what the car was worth at total loss (based on RedBook/Glass's Guide). Agreed value: you and insurer fix a payout number upfront, reviewed annually — typically 10-15% higher than market, and premium is ~12% more. Agreed value is worth it for: collector/classic cars, heavily modified vehicles, vehicles appreciating or holding value well. For everyday sedans that depreciate, market value is fine.
Why are drivers under 25 charged so much more?+
Actuarial data: under-25 drivers cause claims 2.5-3× the average rate. A 19-year-old pays roughly 2.0-2.6× a 35-year-old's premium on the same car. Practical tips to reduce: nominated-driver policies (listing young driver as occasional only), higher excess ($1,500+), telematics/black-box devices (AAMI SafeDriver, Bingle SaveSmart, Youi Driver) that track behaviour and can cut 15-30% after a proven year.
Should I bundle home and auto?+
Most Australian insurers (AAMI, NRMA/IAG, Suncorp, Allianz, QBE, RACV/RACQ/RACQ) offer 10-15% multi-policy discounts when home + auto are held together. On a $1,800 auto + $1,200 home combined, that's $300+/yr. Always compare bundled price against best standalone for each — occasionally a dedicated car insurer (Bingle, Budget Direct) undercuts even a bundled competitor.
Where does state loading come from?+
Comprehensive premiums carry state-based multipliers reflecting theft rates, weather/hail risk, and urban density. Broad 2026 weightings: NT +25%, QLD +10%, NSW +5%, VIC +2%, baseline in WA, SA -10%, TAS -12%, ACT -10%. A $1,500 base premium varies from $1,320 (TAS) to $1,875 (NT) just on state factor before driver specifics. Moving interstate often changes premium more than changing insurer.